Loans for all your needs.

VISA Titanium

Low Rate Credit Card

This is simply a great all-around card for those who need a premium low rate. It's loaded with exciting extras that complement its convenience and affordability! Enjoy a 21-day grace period and the ability to view your monthly statements online. Check out the other FREE benefits by reviewing the VISA Enhancements.

VISA Platinum

Credit Card with Rewards

The Platinum VISA earns rewards and will pay you for every dollar you spend while providing FREE benefits with VISA Enhancements. Your points can be redeemed for merchandise, gift cards, travel and statement credits. Unlike most credit cards, Essential's Platinum Visa Rewards are good for three years and can easily be redeemed within Online Banking. Reward yourself now with an Essential Platinum VISA card!

When traveling please remember to notify Essential to prevent unnecessary blocks on your card. Certain transactions may be blocked due to behavior conflicts on your card, this is for your security. Notifying Essential will make using your VISA Card easier so you can enjoy your traveling experience. For Visa Global Emergency Assistance, please click here.

* Normal credit restrictions apply. Other restrictions may apply, please see a Essential FCU Representative for details. Please note: Once approved, you will receive a cardholder agreement that gives you the details of your VISA account. See Fee Schedule for fee details.

Credit Cards - Loans - Essential Federal Credit Union

Essential Federal Credit Union is a local credit union that offers access to credit cards in Baton Rouge. Want to apply for a credit card? We can help!